Berlin, NH · Cert 14240
FDIC · 17 branches
Q4 2024
Market Position · Boston-Cambridge-Newton, MA-NH · 2024 SOD (annual) · 0.0% share · #96 of 108 inst. · $0.0B of $496.2B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.44% | 0.49% | 0.53% | 0.48% | 0.49% | 0.41% | 0.46% | 0.50% | +3 bps | |
| Return on Equity | 7.03% | 7.82% | 8.68% | 7.62% | 6.95% | 5.89% | 6.33% | 6.90% | -72 bps | |
| Net Interest Margin | 2.80% | 2.61% | 2.61% | 2.61% | 2.66% | 2.58% | 2.53% | 2.60% | -1 bps | |
| Efficiency Ratio | 81.19% | 80.28% | 78.31% | 78.32% | 84.23% | 85.84% | 84.46% | 83.67% | +535 bps | |
| Non-Interest Burden | 2.21% | 2.02% | 1.96% | 1.96% | 2.17% | 2.15% | 2.07% | 2.10% | +14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.75% | 10.13% | 2.95% | -0.99% | -9.25% | -6.85% | -10.13% | -7.54% | -655 bps | |
| Loan Growth (YoY) | 15.23% | 11.27% | 3.73% | -0.98% | -3.17% | -3.21% | -5.62% | -5.01% | -402 bps | |
| Deposit Growth (YoY) | -0.08% | 2.79% | -0.52% | -6.37% | -3.54% | -4.37% | -3.88% | -2.44% | +393 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.24% | 0.25% | 0.31% | 0.31% | 0.36% | 0.38% | 0.41% | 0.34% | +3 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.17% | 1.15% | 1.15% | 1.16% | 1.16% | 1.15% | 1.17% | 1.17% | +1 bps | |
| Allowance Coverage of NPLs | 4.9x | 4.6x | 3.7x | 3.8x | 3.3x | 3.0x | 2.9x | 3.5x | -0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.36% | 8.16% | 8.23% | 8.30% | 8.98% | 9.21% | 9.09% | 9.42% | +112 bps | |
| Total Risk-Based Capital | 14.76% | 14.84% | 15.16% | 15.65% | 16.08% | 16.00% | 16.52% | 17.15% | +149 bps | |
| Equity / Assets | 6.32% | 6.16% | 5.60% | 7.00% | 7.10% | 6.97% | 7.97% | 7.54% | +54 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.18% | 89.95% | 91.69% | 91.92% | 93.53% | 91.04% | 90.03% | 89.50% | -242 bps | |
| Liquid Assets / Assets | 4.88% | 4.35% | 4.57% | 4.31% | 2.18% | 3.63% | 0.66% | 3.01% | -131 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |